What Health Plans Cover Viagra in 2015?

What Health Plans Cover Viagra in 2015?

Viagra, a medication used to treat erectile dysfunction, is a popular drug among men. However, it is also a pricey drug, which makes many buyers wonder whether theirhealth insurancecovers it. In this article, we will explore which health plans cover Viagra in 2015 and offer some tips on how to choose the most suitable insurance plan for you.

Medicare

Medicare is the federal program that provides health insurance to people who are 65 or older, as well as those who have certain disabilities. Medicare Part D, the prescription drug plan, covers Viagra and other similar medications. However, beneficiaries need to pay a copayment or coinsurance for each prescription. The amount of payment varies depending on the insurance plan.

Private Insurance

Most private insurance plans cover Viagra, but the coverage varies depending on the plan. Some insurance plans cover only a limited amount of the drug, while others cover the full cost. Before purchasing a plan, it is important to read the details of the prescription drug coverage. If you need Viagra frequently, it might be worth choosing a more comprehensive plan.

Affordable Care Act

The Affordable Care Act, also known as Obamacare, requires all health insurance plans to coverprescription drugs, including Viagra. However, the coverage amount and copayment vary depending on the plan. It is important to check the details of the plan before making a decision.

Tips for Choosing the Most Suitable Insurance Plan

When choosing an insurance plan, consider the following:

1. Coverage: Check whether the plan covers Viagra and other medications you may need.

2. Cost: Consider the copayment or coinsurance amount for each prescription. If you need Viagra regularly, a plan with a lower copayment might be more cost-effective.

3. Network: Check whether the plan has a network of preferred pharmacies where you can get discounts.

4. Deductible: Consider the deductible amount. If you have a high deductible plan, you might need to pay a significant amount before the insurance coverage kicks in.

Conclusion

In summary, many health insurance plans cover Viagra, but the coverage amount and copayment vary. Before choosing a plan, it is important to read the details of the prescription drug coverage and consider your own needs. A comprehensive plan with a lower copayment might be more cost-effective if you need Viagra frequently. By following these tips, you can choose the most suitable insurance plan for your needs and save money on your health care expenses.